3095 Arbor Dr, Edgewood (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3095 Arbor Dr, Edgewood, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,479 sqft · built 1981
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,000 (Oct 2007)
Tax Bill	$4,910 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Feb 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015-40-03-057.00`

Property Details

APN / Parcel Number

Primary APN	`015-40-03-057.00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,479 sqft Finished Area
Gross Area	3,153 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Lot Area	30,492 sqft (0.7 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3095 ARBOR DR
City	EDGEWOOD
State	KY
Zip	41017-2359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWELVE TREES SEC 5 LOT 88
Legal Subdivision	TWELVE TREES
Legal Phase	5
Legal Lot Number	88
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3030
Census Tract	64500

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3095 ARBOR DR, EDGEWOOD, KY 41017-2359
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK NA
Feb 28, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Oct 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage NEW HORIZON CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2007 · Amount on Record
Deed Sale	Oct 30, 2007 · Amount on Record
Prior Sale	Sep 26, 2003 · Amount on Record
Deed Document Number	200710 30 059 00002
Deed Book / Page	3546 / 216
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3095 ARBOR DR, EDGEWOOD, KY 41017-2359
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 ARBOR DR, EDGEWOOD, KY 41017-2359

Mortgage

Document Number	0005900084
Date	Sep 11, 2023
Book Page	KCM 490/966
Instrument	23091105900084

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 25, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3095 ARBOR DR, EDGEWOOD, KY 41017-2359
Transaction Type	Mortgage
Record Updated	Mar 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 ARBOR DR, EDGEWOOD, KY 41017-2359

Mortgage

Document Number	0005900092
Date	Feb 28, 2022
Book Page	342/177
Instrument	22022805900092

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3095 ARBOR DR, EDGEWOOD, KY 41017-2359
Document Number	0000000286
Book / Page	0C6282 / 000311
Instrument Date	Oct 25, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3095 ARBOR DR EDGEWOOD KY 410172359, EDGEWOOD, KY 41017-2359

Mortgage

Document Number	0000000286
Date	Oct 30, 2017
Book Page	0C6282/000311
Instrument	286

Lender

Name	NEW HORIZON CU
Type	Credit Union
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 29, 2032

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Erlanger City
Unified School District	Erlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$372,300 (-) Land $60,000 Building $312,300	$372,300 (-) Land $60,000 Building $312,300
2025	$4,910.00 (+1.53%)	$372,300 (-) Land $60,000 Building $312,300	$372,300 (-) Land $60,000 Building $312,300
2023	$4,836.00	$372,300 Land $60,000 Building $312,300	$372,300 Land $60,000 Building $312,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2022 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Nearby Properties on Arbor Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures